Co-Op customer here, and we were warned well in advance that the online services wouldn't be available over the weekend. The cards still worked when purchasing stuff, I could still take money out. What they didn't tell us was that you couldn't check your balance at the ATM, nor could people still transfer money to you.
However, the biggest clusterfuck with the Co-Op since the yanks took charge is the online banking system. It's a complete pig. They require a self-made username and password to access it, another pin number, and that's it. Before you would need your sort code and account number, 2 digits from your old 4 digit PIN, and the answer to one of 4 questions.
In my mind the old way was more secure, as any old idiot can reuse a username and password they have for another site. And if that got hacked? What then?
To add more insult to this, with the old system you could go back over 12 months and view statements. It was enough to tell you who paid what to who and when and for how much. Now though, unless you're paperless, you can't access them.
This whole thing annoyed me, especially as I stuck with them during their crisis, so I complained to the bank. I got a phone call the other day trying to explain it, but it was a proper patronising excuse as the changes were meant for "security reasons" etc etc. I told them to stop, I told them I have worked on systems that have to be accessed by thousands of people and the security risks involved. I have demanded that whatever bright spark thought this new system was a good idea to put in writing as to why they thought that.
The letter is in the post apparently, but I've had enough of the crap. Off to TSB I go, if only for the 5% interest on balances they're offering.
A/C because I don't want the Co-Op to shut my bank account down.